Protecting people with health conditions 

Insurance for those deemed high risk 

We know how hard it can be to get insurance if you've got a health condition or a skeletal issue. If you do find an insurer willing to cover your health problem, how do you know whether you’ve been offered the best terms?  
 
As independent advisers, we are not tied to any providers, which means we have whole of market access and can find the right policy to cover your health issue. Whether you’re looking for Life Insurance, Critical Illness or another form of policy, there are a number of insurers offering cover for a number of health conditions. 
 
At Intelligent Advisers, we care about our customers. We understand that it’s stressful enough living with a health problem, let alone trying to find insurance cover. We have listed a few common health conditions below – however, please call our friendly team on 0330 113 0007 to discuss your own personal situation. 

Diabetes 

If you suffer with diabetes, did you know that it is possible to find Life Insurance cover? Costs can vary dramatically depending on the provider, so our expert team will compare a number of policies on your behalf, removing any stress or worry. If you’re looking for Critical Illness cover, this can prove to be a little more difficult.  
 
However, if you have type 2 Diabetes, and this is well-controlled, we may be able to find this type of cover for you too (depending on whether you have any additional health issues or any complications). Unfortunately, if you have type 1 Diabetes, it's very unlikely that we can find you a Critical Illness policy (although late-onset type 1 Diabetes can prove to be an exception). 
 
Call our caring advisers on 0330 113 0007 to discuss cover for diabetes. 

Heart Conditions 

Whether you have suffered a heart attack (known as 'MI'- myocardial infarction) or another type of heart condition, we may be able to find you a suitable Life Insurance policy. Heart conditions are very common, and there are various insurers offering Life Cover.  
 
However, if you’re looking for Critical Illness cover, this can prove difficult. Depending on the type of heart condition you have, we will do our very best to find a provider that offers this type of policy for your situation. 
 
Call our friendly advisers on 0330 113 0007 to discuss cover for heart conditions. 
 
 
 
 
 
 
 
 

Cancer 

If you've previously suffered from cancer, you may feel that it’s either impossible to get Life Insurance, or that you will be charged very high premiums. However, depending on your current health and other factors, we may be able to find you a suitable Life Cover policy. This could include cover for the type of cancer you have already suffered from, so talk to our team about your medical history. 
 
Call our caring advisers on 0330 113 0007 to discuss cover for cancer. 

Blood Pressure & Cholesterol 

If you suffer with raised blood pressure or cholesterol, there are many providers who offer Life Insurance cover. The key factor here is whether your blood pressure and/or cholesterol is well controlled, and whether you have any other health conditions or complications. Although the type of cover and costs may differ depending on the insurers, we will search the whole market to find a suitable policy for you. 
 
Call our friendly advisers on 0330 113 0007 to discuss cover for raised blood pressure and/or cholesterol. 

Weight Problems and BMI (Body Mass Index) 

We fully understand that being either overweight or underweight is a sensitive issue. Having a low or high BMI may affect your ability to obtain Life Insurance and the cost of the premium. However, other factors will be taken into consideration including your age, family history, and whether you have any other health conditions.  
 
Don’t worry - our expert team are on hand discuss these issues with you in a sensitive manner, and they will be able to clarify any queries you may have. 
 
Call our caring advisers on 0330 113 0007 to discuss cover for weight problems. 

Stress, Anxiety & Depression 

If you suffer with a mental health issues such as stress, anxiety and depression, it can feel like a challenge to get suitable Life Insurance.  
 
However, depending on your circumstances and the type of condition you have, as well as other health factors, it is usually possible to find a Life Cover policy. Our sensitive advisers will talk through all the options with you, so you can find the right cover for your situation. 
 
Call our friendly advisers on 0330 113 0007 to discuss cover for Stress, Anxiety and Depression. 
 
For more detailed information on the above policies, please see our Protecting People with Health Conditions Checklist. 
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